Our agency makes reasonable efforts to
present accurate and reliable information on our website. However, we are not responsible for any
errors in or omissions from the information contained in or accessed through this Site,
nor for the timeliness of the information. The information in this Site
is not intended to provide specific advice about individual legal, business or other
questions, and it is not a substitute for users' independent research and evaluation of
any issue. If specific legal or other expert advice is required or desired, the services
of an appropriate, competent professional should be sought. All of the information in this
web site is provided "as is" without warranty of any kind whatsoever. We make no
representations of any kind whatsoever and disclaim all express, implied, statutory or
other warranties of any kind whatsoever to the user and/or any other party, including,
without limitation, any warranties of accuracy, timeliness, completeness, efficacy,
merchantability, and fitness for any particular purpose. Our agency shall have no tort, contract
or any other liability to users of this Site and/or to any other party. We shall not be
liable to users and/or any other party for any lost profits or lost opportunities, or any
indirect, special, consequential, incidental or punitive damages whatsoever, even if we
have been advised of the possibility of such damages. Hyperlinks Are Not Endorsements.

Links to other Websites, or references to
products, services or publications, other than those of our agency at this Site, do not imply
our endorsement or approval of such Websites, products, services or publications, nor
are such links or references any indication that we have received specific authorization
to provide these links or references. We do not endorse, approve, certify or control
any external Websites, and we are not responsible for the accuracy, timeliness,
completeness, efficacy, merchantability, fitness for any particular purpose or correct
sequencing of information located at such sites. Rather, the links on this Site to other
Websites are provided solely as a convenience to users of this Site.

Notice of Copyright Ownership

The works of authorship including, but not limited to, all design, text, images, and
sounds, contained in this Site (individually and collectively "Publications"),
are owned by this agency, except as otherwise expressly stated. The Publications may not be
copied, reproduced, transmitted, displayed, performed, distributed, rented, sublicensed,
altered, stored for subsequent use or otherwise used in whole or in part (individually and
collectively "Reproduced") in any manner without our agency's prior written consent,
except to the extent that such use constitutes "fair use" under the Copyright
Act of 1976 (17 U.S.C. § 107), as amended, and except for one temporary copy in a single
computer's memory and one unaltered permanent copy to be used by the viewer for personal
and non-commercial use only, with an attached copy of this Disclaimer Notice. Some of the
works of authorship on the Site were provided under license from other entities with all
rights reserved. You may provide a hypertext link to this Site on another Website,
provided that: (a) the link must be a text-only link and clearly marked as a link to our site, listing our agency's name entirely. (b) the link must "point" to the URL
"index.html" page, and not to other pages within the Site; (c) the
appearance, position and other aspects of the link may not be such as to damage or dilute
the goodwill associated with our name and trademarks; (d) the appearance, position and
other aspects of the link may not create the false appearance that an entity, product,
service or work of authorship is associated with, sponsored by or endorsed by our agency; (e) the
link, when activated by a user, must display this Site full-screen and not within a
"frame" on the linked Website; and (f) we reserve the right to revoke its
consent to the link at any time, for any reason, in its sole discretion. If you are
interested in obtaining a license to Reproduce one or more of our publications, please
contact us at the phone number or e-mail address provided within our pages.

Severability

Some U.S. states and foreign countries provide rights in addition to those above or do
not allow the exclusion or limitation of implied warranties or liability for incidental or
consequential damages. Therefore, the above limitations may not apply to you, or there may
be state provisions which supersede the above. Any clause of this Disclaimer Notice
declared invalid by the appropriate authority shall be deemed severable and shall not
affect the validity or enforceability of the remainder of this Disclaimer Notice.

Notice of Privacy

Our agency makes every possible effort to maintain your complete and absolute privacy while using our web site. Your personal information will never be shared with others, sold or given to any other entity for marketing purposes, or passed on to third parties for any other reason. We ask as little personal information possible to prepare insurance quotations. If information is ever viewed by another party it is purely accidental, and in using our site, you release us from liability should this information be retrieved, downloaded, or viewed against our wishes, and contrary to privacy rules and laws. We shall not be held liable for any fraudulent, dishonest, or criminal acts of others who view or steal such information through technical or other means.